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Independence Day Resources

Start with a Secured Credit Card

A secured credit card requires you to make a cash deposit. First Progress: Approval for the card requires no credit history or minimum credit score, making the program suitable for a broad range of consumer segments including those who do not qualify for other credit solutions. The card is secured by a fully-refundable security deposit of $300 to $2,000, held in its own FDIC-insured bank account. Your credit limit is equal to the amount of your deposit. The bank then holds your deposit as "security" in the event you fail to pay your credit card bill. So, you can make purchases up to your credit limit and then at the end of the month, you will get a monthly statement and you are required to make a monthly payment, just like an unsecured credit card.

In order to help you advance the accumulation of new information in your credit file, First Progress will report all usage and payment activity to all three national credit bureaus every month! Although designed to be a benefit, please remember that poor payment performance will negatively impact credit history.

Additional Resources Just for those who need help with preparing for their Independence Day

Do you need to rebuild your credit after a bad relationship? After a divorce? After breaking away from an emotionally abusive relationship? After breaking away from a physically abusive relationship? After bankruptcy? Do you have bad credit and can not qualify for an unsecured credit card or loan?

You are not alone!

More and more Americans are seeing their credit scores plummet due to overwhelming debt and not being able to pay it back. Causes range from job loss or income reduction to having lost their entire nest egg or business to recovering from bad choices. However, know that no matter what caused you to become further and further in debt, you can get back on your feet and rebuilding your credit is just one of the baby steps you will need to take.

Start with a secured credit card with a plan to graduate up to an unsecured card.You might be wondering how to build credit if yours isn’t looking so good at the moment. One good way to start is with a secured credit card, in which you deposit an amount of cash up front and then can charge up to your assigned credit line.Be sure to charge only what you can pay for each month so that your credit utilization ratio remains low and you’re able to build a good payment history and establish good habits. It’s also a good idea to check with the issuer of your card to ensure they’re reporting this activity to all three major credit bureaus.

Like a cell phone or social media, a credit score is a reality of modern life. Supplied with the knowledge on how to build credit, all you need is a little attention to detail every month to make sure your credit score works for you and not against you.

Discover card believes that consumers should be equipped with the information they need to help them make informed credit decisions.

We are passionately dedicated to every single client. 844FESCORE is your partner in achieving your future financial freedom goals. We give you the tools and knowledge you need to generate results that last a lifetime and allow you to leave a financial legacy for your family.

If you have the time, energy, and emotional wherewithal, you can perform many of these tasks yourself. In the event that you do not, we’ll be happy to handle the restoration of your credit for you. You need not make that decision now. Sure you can go online, buy books, read the books, and review the factors and get advice from others, and you may wish to restore your credit yourself, or have our team of dedicated professionals at Finally Excellent Score, LLP who are here to assist you. Either way, you will have made a great first move toward improving your credit health.

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